Forbright Bank vs. Wealthfront
Comparing Forbright Bank and Wealthfront for high-yield savings: Forbright Bank's Growth Savings pays 3.85% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Forbright Bank pays $39 more than Wealthfront annually ($385 vs $346).
Choose Forbright Bank if getting the best rate matters most, you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, or you want Zelle for quick transfers.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Forbright Bank's 3.85% rate has no scheduled drop, though all rates are subject to change.
| Metric | Forbright BankGrowth Savings Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 3.85% | 3.30% - 3.95% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Forbright Bank vs. Wealthfront
Executive Summary
Forbright Bank offers a competitive Growth Savings account with an APY of 3.85%, making it an attractive choice for savers, especially for smaller deposits. In comparison, Wealthfront's Cash Account provides a slightly higher introductory APY of 3.95% for the first three months, after which it drops to 3.30%. Both accounts require no minimum deposit or balance and have no maintenance fees, but Wealthfront is an online-only service and is not a bank itself. Forbright's other savings options, such as the Bright Savings and Sprout Savings accounts, yield lower APYs of 3.45%, with specific eligibility requirements for branch access.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Forbright Bank?
- ✓Physical branch access (Locations in the Washington D.C. area (Maryland and Virginia))
- ✓Offers 3 different high-yield savings options
- ✓Fast transfers via Zelle®
Why Wealthfront?
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
Forbright BankForbright Bank's Growth Savings earns more on smaller deposits (approx. $385 vs $346/yr).
Better Returns at $25,000
Forbright BankForbright Bank's Growth Savings pulls ahead with larger amounts (approx. $963 vs $866/yr).
Shared Benefits
Over a 1-year period, Forbright Bank's Growth Savings pays $39 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Forbright Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Forbright Bank vs. Wealthfront Savings Calculator
You earn $37.5 more with Forbright Bank than Wealthfront on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Forbright Bank
Growth Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both Forbright Bank and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Forbright Bank | Wealthfront |
|---|---|---|
| APY | 3.85% Verified: 2/21/2026 ↘︎ 0.15%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Growth Savings | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | Locations in the Washington D.C. area (Maryland and Virginia) | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Available Branch accounts only; Growth Savings online does NOT support. | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Forbright Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Forbright Bank | Wealthfront | ||
|---|---|---|---|---|
| Sprout Savings | Bright Savings | Growth Savings | Cash Account | |
Current APY | 3.45% | 3.45% | 3.85% | 3.95% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -8.8 | -8.7 | -6.6 | -8.6 |
Days Since Change | 43 | 43 | 43 | 22 |
3-Month High | 3.65% | 3.65% | 4.00% | 4.15% |
3-Month Low | 3.45% | 3.45% | 3.85% | 3.90% |
Adjustments / Mo | 0.30 | 0.30 | 0.30 | 0.60 |
Volatility Score | 0.028 | 0.028 | 0.019 | 0.028 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Forbright Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Forbright Bank vs Ally Bank | 3.20% | $0 |
| Forbright Bank vs American Express | 3.30% | $0 |
| Forbright Bank vs Axos Bank | 4.21% | $0 |
| Forbright Bank vs Bank of America | 0.01% | $100 |
| Forbright Bank vs Barclays | 3.85% | $0 |
| Forbright Bank vs Capital One | 3.30% | $0 |
| Forbright Bank vs Chase Bank | 0.01% | $0 |
| Forbright Bank vs Chime | 3.00% | $0 |
| Forbright Bank vs CIT Bank | 3.75% | $100 |
| Forbright Bank vs Citibank | 3.20% | $0 |
| Forbright Bank vs Discover Bank | 3.30% | $0 |
| Forbright Bank vs EverBank | 3.90% | $0 |
| Forbright Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Forbright Bank vs Newtek Bank | 4.20% | $0.01 |
| Forbright Bank vs Openbank | 4.09% | $500 |
| Forbright Bank vs Pibank | 4.60% | $0 |
| Forbright Bank vs SoFi Bank | 4.00% | $0 |
| Forbright Bank vs Synchrony Bank | 3.50% | $0 |
| Forbright Bank vs Varo Bank | 5.00% | $0 |
| Forbright Bank vs Wells Fargo | 0.05% | $25 |